AmeriServ Financial Inc (ASRV) — Defensive Interval Ratio
AmeriServ Financial Inc (ASRV) has a Defensive Interval Ratio of 420 days as of March 2026. Defensive assets of $16.17 Million (cash $-, short-term investments $10.13 Million, receivables $6.03 Million) cover 420 days of daily cash needs of $38.49K/day. See AmeriServ Financial Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
AmeriServ Financial Inc Defensive Interval Ratio (1992–2025)
This chart shows how AmeriServ Financial Inc's Defensive Interval Ratio has evolved across 34 annual periods from 1992 to 2025. As of March 2026, the ratio stands at 420 days, meaning defensive assets of $16.17 Million can fund 420 days of operations without new revenue. See ASRV net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for AmeriServ Financial Inc (1992–2025)
The table below presents the year-by-year Defensive Interval Ratio for AmeriServ Financial Inc from 1992 to 2025, covering 34 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see ASRV market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $23.66 Million | $3.42 Million/day | $- | $18.10 Million | ▼ -41 days |
| 2024 | 48 days | $161.11 Million | $3.33 Million/day | $- | $155.62 Million | ▼ -4 days |
| 2023 | 52 days | $171.24 Million | $3.29 Million/day | $- | $165.71 Million | ▼ -4 days |
| 2022 | 56 days | $184.31 Million | $3.28 Million/day | $- | $179.51 Million | ▲ +3 days |
| 2021 | 54 days | $167.16 Million | $3.12 Million/day | $- | $163.17 Million | ▼ -554 days |
| 2020 | 607 days | $149.23 Million | $245.73K/day | $- | $144.16 Million | ▲ +553 days |
| 2019 | 54 days | $145.20 Million | $2.69 Million/day | $- | $141.75 Million | ▼ -1 days |
| 2018 | 55 days | $150.22 Million | $2.71 Million/day | $- | $146.73 Million | ▲ +7 days |
| 2017 | 49 days | $132.74 Million | $2.73 Million/day | $- | $129.14 Million | ▲ +0 days |
| 2016 | 48 days | $130.19 Million | $2.69 Million/day | $- | $127.08 Million | ▲ +1 days |
| 2015 | 47 days | $122.52 Million | $2.61 Million/day | $- | $119.47 Million | ▼ -5 days |
| 2014 | 52 days | $130.24 Million | $2.49 Million/day | $- | $127.11 Million | ▼ -7 days |
| 2013 | 59 days | $144.89 Million | $2.46 Million/day | $- | $141.98 Million | ▼ -7 days |
| 2012 | 66 days | $154.50 Million | $2.33 Million/day | $- | $151.54 Million | ▼ -15 days |
| 2011 | 82 days | $186.14 Million | $2.28 Million/day | $- | $182.92 Million | ▲ +79 days |
| 2010 | 3 days | $6.67 Million | $2.21 Million/day | $- | $3.46 Million | ▼ 0 days |
| 2009 | 3 days | $7.36 Million | $2.22 Million/day | $- | $3.77 Million | ▼ -5 days |
| 2008 | 9 days | $19.31 Million | $2.23 Million/day | $- | $15.58 Million | ▲ +7 days |
| 2007 | 2 days | $4.23 Million | $2.17 Million/day | $- | $197.00K | ▼ 0 days |
| 2006 | 2 days | $4.58 Million | $2.17 Million/day | $- | $413.00K | ▲ +0 days |
| 2005 | 2 days | $4.32 Million | $2.13 Million/day | $- | $199.00K | ▼ 0 days |
| 2004 | 2 days | $4.49 Million | $2.18 Million/day | $- | $199.00K | ▼ -248 days |
| 2003 | 250 days | $547.11 Million | $2.19 Million/day | $- | $542.19 Million | ▲ +247 days |
| 2002 | 3 days | $6.43 Million | $2.11 Million/day | $- | $362.00K | ▲ +1 days |
| 2001 | 3 days | $7.33 Million | $2.92 Million/day | $- | $660.00K | ▲ +2 days |
| 2000 | 0 days | $763.00K | $3.08 Million/day | $- | $763.00K | ▼ -4 days |
| 1999 | 5 days | $16.70 Million | $3.69 Million/day | $- | $- | ▲ +1 days |
| 1998 | 4 days | $17.20 Million | $4.46 Million/day | $- | $- | ▲ +1 days |
| 1997 | 3 days | $17.30 Million | $5.26 Million/day | $- | $- | ▼ -2 days |
| 1996 | 5 days | $17.40 Million | $3.55 Million/day | $- | $- | ▲ +0 days |
| 1995 | 5 days | $16.80 Million | $3.49 Million/day | $- | $- | ▲ +0 days |
| 1994 | 4 days | $16.90 Million | $3.88 Million/day | $- | $- | ▲ +1 days |
| 1993 | 3 days | $8.90 Million | $2.91 Million/day | $- | $- | ▼ 0 days |
| 1992 | 3 days | $9.40 Million | $2.79 Million/day | $- | $- | — |